Category Archives: Blog Writing

Creating you first budget is often time-consuming and stressful. Talking about who is spending money on what often brings forward basic disagreements about household finances. A Second reason for not making a first-time budget is that it often reveals problem … Continue reading →

Cash flow planning can help you determine how much you need to save for your children’s education, your retirement, or any long-term financial objective. It is important to keep in mind that a household can have a weak cash flow … Continue reading →

Question #1: What Makes Saving so Important? Cash flow is the fuel of household finance. It there isn’t enough cash flow then the household can’t make optimal financial decisions. This frequently means paying higher interest rates, settling for a smaller … Continue reading →

Budgeting is the process of forecasting, monitoring, adjusting, and controlling future income and expenses. Budgets can be informal or formal. An informal budget can be an unwritten budget that includes remembering when the car payment is due. Formal budgets are … Continue reading →

There is a difference between setting a budget and financial planning. Financial planning involves defining your goals and objectives, then “monetizing them”. That is, determining how much money you need to earn or save to achieve your goals, and measuring … Continue reading →

Many individuals waited apprehensively until the spring home selling season to put their homes on the market. Thousands of these homes were purchased at the top of the real estate market and are now worth substantially less than their purchase … Continue reading →

In recent months I have noticed the addition of many new, no-charge Web sites and online games that are designed to assist individuals in gaining financial literacy. The following are three examples, each for a different age group: Middle Schoolers- … Continue reading →

Highly ranked Mint located at www.mint.com is a free online money management system that has almost 5 million users. Originally launched by Arron Patzer in September 2007 Mint.com currently tracks almost $200 million in transactions and $50 billion in assets. … Continue reading →

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